getit2gether

Great! Thank you! Looked at the loaded scion today in the showroom -$22k Going back tomorrow! Thank you again - went back to the Scion dealer on the 17th and drove it home!

Great! Thank you! Looked at the loaded scion today in the showroom -$22k Going back tomorrow!

Wondering if it's worth trying... Credit Application: Your Age 46 Your Equifax Credit Score 634 Your Experian Credit Score 604 Your TransUnion Credit Score 640 How many years have you been on file with Equifax 19 How many years have you been on file with Experian 19 How many years have you been on file with TransUnion 19 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan No Will this open auto loan be a trade-in n/a How many late pays within the last 12 months on the currently open loan n/a How many late pays within the last 13-24 months on the currently open loan n/a Your current open auto loan is financed with n/a Your current open auto loan payment is n/a Estimated amount you may be upside down in this vehicle n/a Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) n/a Although I have no open auto loans, I do have 2 trade lines reporting with Ford that are paid/closed (and still have the truck) YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have 10 Total percentage utilized overall 56% How many of your revolving accounts are store cards 7 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 3 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence 16y8m Do you Rent or have a Mortgage, or Live w/Relative or Other Mortgage Your Monthly Rent or Mortgage payment $899 How long have you held your current job 12y Your total provable monthly gross income is $5819 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) comp paystub/tax return Is there additional monthly income? What amount monthly no Describe the source. Is the additional monthly income provable? Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) Up to $1500 Does any credit repository contain any Public Record no If yes, please very briefly describe. Does any credit repository contain any Collection Account(s) no If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) Past 2.5 yrs – 9, prior – 4 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 9 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) Past 2.5 yrs – 9, prior – 4 New or Used vehicle you are considering: Please very briefly describe. New Lease or Purchase - 2012 Scion tC, Ford Focus 5-dr Hatch, Kia Forte Koup or Hyundai Genesis Coupe - $22-25k

I just requested a CLI on my WalMart - $125 -----> $550

Thank you very much!

CORRECTED... (sorry) Credit Application: Your Age? 45 Your Equifax Credit Score? 599 (3/3/11) Your Experian Credit Score? 562 (3/4/11) Your TransUnion Credit Score? 571 (12/15/10) How many years have you been on file with Equifax? 18 yrs 7 mos How many years have you been on file with Experian? 18 yrs How many years have you been on file with TransUnion? 18 years 4 mos YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? no Will this open auto loan be a trade-in? How many late pays within the last 12 months on the currently open loan? How many late pays within the last 13-24 months on the currently open loan? last pmt was Jan 2010 - no lates on this loan Your current open auto loan is financed with? Your current open auto loan payment is? Estimated amount you may be upside down in this vehicle? Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 7 Total percentage utilized overall? 61% How many of your revolving accounts are store cards? 4 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 3 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence? 15 yrs 8 mos Do you Rent or have a Mortgage, or Live w/Relative or Other? own Your Monthly Rent or Mortgage payment? 940.00 How long have you held your current job? 11 yrs 6 mos Your total provable monthly gross income is? 5,619. 83 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) comp check stub Is there additional monthly income? What amount monthly? no Describe the source. Is the additional monthly income provable? Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $1,500 Does any credit repository contain any Public Record? no If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? no If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 7 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 7 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 5 New or Used vehicle you are considering: Please very briefly describe. Used - 2004 Volvo XC90 $12,950 (I also have a trade in 2001 Ford Explorer Sport, approx value $1500-2000 - but may sell it myself)

Credit Application: Your Age? 45 Your Equifax Credit Score? 599 (3/3/11) Your Experian Credit Score? ? Your TransUnion Credit Score? 571 (12/15/10) How many years have you been on file with Equifax? 18 yrs 7 mos How many years have you been on file with Experian? ? How many years have you been on file with TransUnion? 18 years 4 mos YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? no Will this open auto loan be a trade-in? How many late pays within the last 12 months on the currently open loan? How many late pays within the last 13-24 months on the currently open loan? Your current open auto loan is financed with? Your current open auto loan payment is? Estimated amount you may be upside down in this vehicle? Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 7 Total percentage utilized overall? 61% How many of your revolving accounts are store cards? 4 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 3 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence? 15 yrs 8 mos Do you Rent or have a Mortgage, or Live w/Relative or Other? own Your Monthly Rent or Mortgage payment? 940.00 How long have you held your current job? 11 yrs 6 mos Your total provable monthly gross income is? 5,619. 83 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) comp check stub Is there additional monthly income? What amount monthly? no Describe the source. Is the additional monthly income provable? Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $1,500 Does any credit repository contain any Public Record? no If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? no If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 7 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 7 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 5 New or Used vehicle you are considering: Please very briefly describe. Used - 2004 Volvo XC90 $12,950 (I also have a trade in 2001 Ford Explorer Sport, approx value $1500-2000 - but may sell it myself)

OK - I googled 'experian class action' and the first hit was on the Consumer Affairs website, but it's dated June 2004: Consumer Affairs I hope to see more recent info on this, although we have until May 15th to respond.

I just received an email regarding a class action suit involving Experian (and it's products). Has anyone else received it? Not sure if I should post the email announcement...

Nov 10, 2006 Approved If you requested a balance transfer to this card, click here to view the status of that transfer THAT IS STRANGE SINCE THE "TOY" CREDIT LIMIT IS STILL THE SAME https://www201.americanexpress.com/eaol/sta...me.jsp?us_nu=dd Kind of bogus, that app status page. I requested 2 CLIs in Aug06 and was denied by phone on both(no hard, max exposure reason). On the status page it shows both of those as 'APPROVED' with the same lame BT message. I have that on the check status page, too. Has anyone heard anything yet? It says approved, but my credit line hasn't increased on my account page.

I know what you mean... mine's up, down, all over the place. I'm sure it'll go down before it goes back up. I still have some work ahead of me, too. This was just the best news after a crummy week. AND, we're leaving for Fort Lauderdale Friday, so I'm in the happiest vacation kinda mood now!!!

OK - thanks everyone! I got home & my updated EQ report was in the mail. The 120-day lates were deleted from my refi'd student loans. EQ was really giving me the run around on that - refi'd in April '04, they were reporting 120 days late in August '06! Now, to get that ridiculous Palisades off. They were given 5 business days to delete after receiving 2 CMRR DV's (1st gave them 30 days, 2nd gave them 15). I will get that done tomorrow. Let's see where that will take me! Hopefully, not to my lawyer's!! Hey cincijeff - can you do your magic on some other things! lol

I received a ScoreWatch alert stating that my FICO has increased 30 pts. It doesn't state a specific reason, just basically aging and old items falling off. I need to check my report and see what's happening - I'm so happy!

How long did it take for them to correct it? I sent the fax on Friday (today's Monday) and it's still not updated. Should I give it a few days? I'm sure I'm just anxious.... AESCUTIE - should I contact Vicki Banks to follow up?

great info to have - thanks for sharing!